Vitality.co.uk uses cookies to offer you a better browsing experience, analyse site traffic, and serve relevant personalised content and advertisements. Read about how we use cookies and how you can control them in our cookie policy. If you continue to use this site, you consent to our use of cookies.

Terms and Conditions

This offer is open to all new individuals purchasing a new VitalityHealth Personal Health Insurance plan (“VitalityHealth Insurance”) who:a) comply with these terms and conditions;
b) hold an active individual private medical insurance (“PMI”) policy with another PMI insurer (including but not limited to AXA PPP Healthcare, BUPA, Aviva and Simplyhealth), or is in receipt of an individual continuation option from their current insurer; and
c) fulfil the medical criteria as set out in Question 1 and Question 2 of the quote proces.
d) is switching all lives on the active individual private medical insurance (“PMI”) policy to VitalityHealth.

Together referred to as the “Eligible Participants”.

The VitalityHealth Insurance quotation must be obtained either directly with VitalityHealth or through an adviser who is operating in one of VitalityHealth’s Sales Channels. For the purposes of these terms, a Sales Channel shall be deemed to include a professional broker, authorised representative or insurance intermediary.

For the avoidance of doubt, it is the Sales Channel’s responsibility to make the VitalityHealth Quote clear to the customer as well as any differences between the customer’s current insurance policy with a third party PMI insurer and their new VitalityHealth Insurance plan.

Eligible Participants must give one of the following to their chosen Sales Channel at the point of submitting their VitalityHealth Insurance application:

a) in the case of Eligible Participants who are applying for VitalityHealth Insurance within 30 days of the renewal date of their existing PMI policy, a copy of their renewal quote; or
b) in the case of all other Eligible Participants who are applying for VitalityHealth Insurance 31+ days prior to the renewal date of their existing PMI policy, documentation confirming their existing PMI policy premium.

Each a “Competitor’s Quote”.

Eligible Participants who wish to take advantage of this offer are required to be insured for the required period of time at the start date of their plan with VitalityHealth. For example - should an Eligible Participant be insured for 12 continuous months at the renewal date of their current policy, they are not eligible to incept the plan with VitalityHealth earlier than their renewal date.

The insurance quotation given by the chosen Sales Channel for the VitalityHealth Insurance (“VitalityHealth Quote”) will be based on the equivalent level of cover provided under the Competitor’s Quote. For the avoidance of doubt, the VitalityHealth Quote will be priced on comparable benefits and exclusions incorporated in an Eligible Participant’s current PMI policy, in accordance with the Switch Guidelines issued to the Sales Channel by VitalityHealth. A minimum monthly premium payment of £35 will apply to any VitalityHealth Insurance plan. The criteria on which the quotations will be matched is as follows:

a) the closest level of excess (if the same excess is not available, the VitalityHealth Quote will be based on the closest available excess level below the Competitor Quote’s excess level)
b) the closest level of psychiatric cover (if the same psychiatric cover limit is not available, the VitalityHealth Quote will be based on the closest available cover limit above the Competitor Quote’s cover limit);
c) the closest level of therapies cover (if the same therapies cover limit is not available, the VitalityHealth Quote will be based on the closest available cover limit above the Competitor Quote’s cover limit)
d) the closest level of out-patient benefit (if the same out-patient cover limit is not available, the VitalityHealth Quote will be based on the closest available cover limit above the Competitor Quote’s cover limit); and
e) the closest hospital list;

The following offers will not be deemed by VitalityHealth to form part of the Competitor’s Quote and will be excluded from the comparison for the purposes of the Matching Criteria:
a) discounted, free or non PMI modules (please note that dental and travel cover modules are included in the offer); and
b) months’ free offers and other negotiated discounts.

Subject to the quotations being successfully matched in accordance with the Matching Criteria, VitalityHealth may offer the VitalityHealth Insurance to Eligible Participants at a premium 5%to 10% (excluding any applicable Insurance Premium Tax or any other tax imposition) cheaper than the Competitor’s Quote (‘the Discount Offer’);

If the Competitor’s Quote contains certain elements of cover that are not included in the VitalityHealth Insurance plan, the Competitor’s Quote will be adjusted accordingly in order to reflect a true comparable quote. This means that if the Competitor’s Quote contains a benefit or a term that VitalityHealth Insurance does not offer, the value of the additional benefit or differing term will be subtracted from or added to the Competitor’s Quote to create a comparable figure. This will be referred to as the “Adjusted Competitor Premium”. For the avoidance of doubt, VitalityHealth may not offer a switch quotation on products that are materially different (in VitalityHealth’s reasonable opinion) from the VitalityHealth Insurance proposition.

Subject to the quotations being successfully adjusted for cover differences, VitalityHealth may offer VitalityHealth Insurance to Eligible Participants at a premium 5%to 10%(excluding any applicable Insurance Premium Tax or any other tax imposition) cheaper than the Adjusted Competitor Premium (the ‘Adjusted Competitor Premium Offer’).

For the avoidance of doubt the % Discount may be either a minimum of (i) 5% to 10% cheaper than an Eligible Participant’s renewal quote or (ii) 5% to 10% cheaper than the Eligible Participant’s current premium if they are outside the renewal cycle or (iii) 5% to 10% cheaper than an Eligible Participant’s Adjusted Competitor Premium. For the purposes of this clause, ‘renewal cycle’ refers to the period from 30 days prior to the renewal date up to and beyond the renewal date.

The offered premium will always be subject to the minimum monthly premium payments for any VitalityHealth Insurance plan of £35 and may be adjusted accordingly.

Eligible Participants who wish to take advantage of this offer are required to email or post a copy of the insurance certificate for their existing PMI policy (detailing cover levels, exclusions and member details) to VitalityHealth on request.

Eligible Participants who wish to take advantage of this offer are required to email or post a copy of the renewal premium (within 30 days of their current renewal date) or current premium (31+ days from their current renewal date) for their existing PMI policy to VitalityHealth on request.

VitalityHealth reserves the right to request an original copy of the Competitor’s Quote from an Eligible Participant at any time.

Should the Eligible Participant fail to provide satisfactory evidence of the Competitor’s Quote, or where the documents provided to VitalityHealth in response to the requirements set out in either clauses 9 and/or 10 and/or 11 above reveals that the Competitor’s Quote cannot be matched in accordance with the Matching Criteria, VitalityHealth will not be obliged to provide the Discount Offer or the Adjusted Competitor Premium Offer and any VitalityHealth Insurance purchased will either be recalculated according to the validated premium or cancelled with effect from inception.

VitalityHealth Quotes will be valid for thirty days from the date of issue. This offer does not apply to existing VitalityHealth planholders and dependants.

Eligible Participants acknowledge and agree that VitalityHealth Insurance is an annual contract and subject to a price review at each renewal in the future. The Discount Offer or Adjusted Competitor Premium Offer will be applied to the new business standard premium and, for the avoidance of doubt, excludes VitalityHealth renewals (subject always to clauses 15 and 16).

Eligible Participants acknowledge that in the event of inaccurate or incomplete information being provided that impacts the premiums or terms of VitalityHealth Insurance in any way, the Discount Offer or the Adjusted Competitor Premium Offer (as applicable) will cease to be applied and VitalityHealth reserves the right to take further action which may include but not be limited to recalculating the rate according to the validated current insurer premium or cancelling cover with effect from inception.

These terms and conditions shall be governed by English law, and the parties submit to the exclusive jurisdiction of the courts of England and Wales.

This offer is made by Vitality Corporate Services Limited (company number 05933141) of 3 More London Riverside, London SE1 2AQ, trading as VitalityHealth. VitalityHealth is the trading name of Vitality Corporate Services Limited which is authorised and regulated by the Financial Conduct Authority.

1.Couples pay less compared to the combined individual premium price. The partner must live at the same address as the primary planholder.

2.Saving applies to family cover which includes one adult or more and one or more children. The saving applies to family cover with children on the plan compared to the price of individual health insurance cover for each family member. All children covered must live at the same address as the primary planholder.

2. The “Promotion” means the Recommend a friend promotion which these Terms and Conditions specifically apply to.

3. All existing VitalityHealth planholders who recommend a new member directly to VitalityHealth (“Referring Members”) shall be eligible to receive either one (1) John Lewis gift card or one (1) Amazon gift card to the value of £50 (Pounds Sterling), per new individual member who purchases a VitalityHealth Personal Healthcare Plan either at vitality.co.uk or directly from VitalityHealth by phone. For the avoidance of doubt, the definition of a Referring Member does not include any person that has made a recommendation in their capacity as a professional broker, authorised representative or insurance intermediary.

4. All new Referred Members who have registered for this promotion following a recommendation from a Referring Member, and who subsequently purchase a VitalityHealth Personal Healthcare Plan, either at vitality.co.uk or directly from VitalityHealth by phone, shall also be eligible to receive either one (1) John Lewis or one (1) Amazon gift card to the value of £50 (Pounds Sterling).

5. This offer does not apply to existing VitalityHealth planholders adding new members to an existing VitalityHealth plan.

6. Business customers are not eligible for this Promotion.

7. The Referring Member and Referred Member must both provide a valid, active email address. We cannot be held responsible for an invalid email address or other problems relating to the delays to the delivery of or non-receipt of emails, including the effect of spam filters.

8. The Referring Member confirms that they have received the consent of the Referred Member to pass the Referred Member’s contact details to VitalityHealth for the purposes of this offer. In the event the Referring Member has not gained the Referred Member’s consent, the Referring Member will not be eligible to receive a gift card and shall be liable for any claim made by the Referred Member against VitalityHealth.

9. The Referred Member must register for the Promotion before they take out their plan. They can register either through the online channel where they received the recommendation or by calling Vitality on 0800 779955 and providing the unique short referral code (up to 5 digits) given to them by the Referring Member. If the Referred Member takes out a VitalityHealth plan through the online channel, they must stay on the same device (i.e. PC or phone) during the application process so the recommendation can be tracked. If the referred member takes out a plan through an intermediary, the gift card offer will be void.

10. All transactions must be validated by Us before the reward can be issued. Once the Referred Member's VitalityHealth plan has been live for three months, they and the Referring Member will become eligible for their rewards. The gift card will not be issued to either the Referring or the Referred Members should either cancel or suspend their VitalityHealth plan within three months of the inception date of the Referred Member’s VitalityHealth plan.

11. When the Referring Member and Referred Member are eligible for their rewards, they will both receive an email asking them to visit a reward claim web page. On that page, they can choose to receive either a £50 John Lewis e-voucher or a £50 Amazon e-voucher online (an email with a link to a PDF).

12. The gift card is not transferable, non-exchangeable and cannot be redeemed for cash. We reserve the right to substitute the John Lewis or Amazon gift card with another gift card of similar value, in the event the John Lewis or Amazon gift card is unavailable due to circumstances beyond our reasonable control.

13. The John Lewis vouchers shall be redeemable in accordance with John Lewis’ terms and conditions: www.johnlewis.com/gift-card.

15. We are unable to respond to queries about non-receipt of the reward until 120 days after the Referred Member’s plan start date.

16. If you believe you are eligible for a reward but have not received one, We will investigate your claim provided We receive your enquiry within 60 days of the Promotion closure date. In this case it may take longer to issue you with a reward.

17. Any personal data collected during this Promotion will be collected, stored and processed in accordance with Our Privacy Policy which is available to view at: https://www.vitality.co.uk/legal/.

18. If you have any queries with regard to the reward and/or this Promotion, please contact the rewards customer services team using the enquiry form.

19. Please note this Promotion is being monitored. We reserve the right to suspend or cancel transactions suspected of being fraudulent and such customers may have their details passed to the relevant authorities for further investigation.

20. We accept no liability for lost entries and no responsibility for difficulties experienced in submitting an entry to this Promotion, including any technical, hardware or software failures of any kind or lost or unavailable network connections which may limit or prohibit an ability to participate in the Promotion.

21. To the maximum extent permitted by law, We accept no liability for any loss, damage and/or personal injury suffered by participating in this Promotion and/or arising out of the enjoyment of the reward.

22. Each Referring Member/Referred Member pair can only receive their respective rewards once.

23. This Promotion is not available for use in conjunction with any other promotion. We reserve the right to alter, amend or terminate the Promotion at any stage without prior notice. This Promotion is administered by Optimise Media (UK) Limited on behalf of VitalityHealth.